Will never use this card, or any type of Wal-Mart product again. Had this card for 3 years, and it was only due to the fact that I loaded thousands of dollars on there only to find out there was no way to transfer out to my bank account/saving account. Over the 3 year period I have experienced terrible customer service (no one in the United States), no way to actually truly get a $0 fee at the Wal-Mart ATM machine, and there is literally but 2 Wal-Mart ATM Machines in a given 50 mile radius. I was not able to ever transfer money or pay bills. Now that I am at a $0 balance, they are refusing to close my account, and in the meantime they are continually charging $5 month on my Zero balance. It has not been 3 months of a zero balance and I have paid $15 while trying to close this account. They want you to write snail mail letters, and have no online way to dispute issues. They do not dispute unrecognizable charges either. They stopped the dispute department a few months ago. PLEASE DO NOT GET THIS CARD!